Search found 17 matches

by cdog999
Mon Jul 17, 2017 9:22 am
Forum: Personal Finance (Not Investing)
Topic: My first poor Ally Bank experience
Replies: 25
Views: 4804

Re: My first poor Ally Bank experience

No wonder they shut you down. That is classic sign of money laundering. Then there is the fact that it was over $10K - which means they are required to report it to the Feds. A common misconception. This only applies to cash deposits, not electronic transfers between a customer's accounts. I stated...
by cdog999
Thu Jul 13, 2017 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: My first poor Ally Bank experience
Replies: 25
Views: 4804

Re: My first poor Ally Bank experience

Yikes, I've been using Ally as my primary "hub" for all my bonuses and MS since Fido shut me down last year. I too use this as my account for everything and keep a hefty balance. But, there is quite a lot moving in and out between different places, recently started using billpay as I'm hop...
by cdog999
Thu Apr 02, 2015 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Why does Vanguard require snail mail for new applications?
Replies: 7
Views: 2307

Re: Why does Vanguard require snail mail for new application

Just curious why I need to print out a 9 page document they already have the info for? Seems like a waste and most other banks/brokerages can do everything online. Is Vanguard still really behind? I recall hearing about having to call in and wait 60 days and stuff like that. Hoping this isn't a for...
by cdog999
Wed Apr 01, 2015 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Why does Vanguard require snail mail for new applications?
Replies: 7
Views: 2307

Why does Vanguard require snail mail for new applications?

Just curious why I need to print out a 9 page document they already have the info for? Seems like a waste and most other banks/brokerages can do everything online. Is Vanguard still really behind? I recall hearing about having to call in and wait 60 days and stuff like that. Hoping this isn't a fore...
by cdog999
Tue Dec 03, 2013 9:43 am
Forum: Investing - Theory, News & General
Topic: Due diligence on RAFI Pure Small Value
Replies: 189
Views: 23785

Re: Due diligence on RAFI Pure Small Value

Due diligence - ER could be locked in to .7% in the future. .7% is simply too high an ER - especially for an ETF. You could get locked in with some capital gains. Just use a lower cost option for that asset class. Don't buy in taxable then if you are afraid of an increase in ER. More likely issue w...
by cdog999
Thu Oct 10, 2013 9:11 am
Forum: Personal Consumer Issues
Topic: POLL - Big4 Accounting Firm
Replies: 10
Views: 2275

Re: POLL - Big4 Accounting Firm

I have mixed feeling about the Big 4. Hated my 2 years there, but it lead to my current company/role. If I had to do it again would I? Maybe...
by cdog999
Tue Jul 02, 2013 8:22 am
Forum: Personal Consumer Issues
Topic: Page Plus Versus Republic Wireless - Who's Better?
Replies: 28
Views: 5551

Re: Page Plus Versus Republic Wireless - Who's Better?

the thing i don't understand about page plus is the $0.29 / minute roaming charge. Where in the US would I be roaming out of verizon/page plus range? Check the Verizon PREPAID network coverage. This is different than Verizon postpaid coverage (which is better). There are many areas where Prepaid do...
by cdog999
Sun Nov 14, 2010 10:46 pm
Forum: Personal Consumer Issues
Topic: Panasonic 42" plasma NEW for $60?
Replies: 7
Views: 1476

Purchased 2 from different sites this morning, and both orders were canceled this evening... Too bad it wasn't Monday, as there is a chance the order may have shipped...
by cdog999
Sun Nov 14, 2010 11:29 am
Forum: Personal Consumer Issues
Topic: Best Men's Suit Brand - Value and Quality
Replies: 120
Views: 23488

When I needed a suit I went to Value City and bought the most expensive/nicest suit they had. Ended up costing me $120 and still looks as nice as anything short of an Armani.
by cdog999
Sun Nov 14, 2010 10:21 am
Forum: Personal Consumer Issues
Topic: Panasonic 42" plasma NEW for $60?
Replies: 7
Views: 1476

For those that wonder why so many sites can have this price problem is its computerized pricing. Basically one price gets screwed up and the algorithms that the other sites are running go haywire.
by cdog999
Sun Nov 14, 2010 9:40 am
Forum: Personal Consumer Issues
Topic: Panasonic 42" plasma NEW for $60?
Replies: 7
Views: 1476

Hmm, its a 720p plasma and looks like its usually a little over $400 new, which could be part of the reason for the price. Who knows... Its basically the same listed price directly on their website. Just bought 1 using Paypal/amex combo so I've got double protection If you seriously want one, I'd as...
by cdog999
Wed Sep 08, 2010 8:04 am
Forum: Personal Finance (Not Investing)
Topic: 100w lamp limit - brighter CFL?
Replies: 56
Views: 6506

I just take my CFLs and pitch them in the garbage after they go out. Never even knew they are supposed to be disposed of differently. Didn't say anything on the package about that...
by cdog999
Tue Jun 22, 2010 1:38 pm
Forum: Personal Consumer Issues
Topic: BBB Alternatives after no complaint resolution
Replies: 18
Views: 2242

How could I go to small claims court if I haven't paid the disputed charges? Wouldn't I jhave to first pay the disputed charge and then go to small claims court? Or, could I pre-emptively go to small claims court to fight what they say I owe?
by cdog999
Mon Jun 21, 2010 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: AimLoan?
Replies: 14
Views: 4141

I'm doing the same thing, refinancing a 30 year fixed at 5.25% to a 15 year fixed at 4.375% with amerisave. I can't really comment on it yet, but I did lock in the rate. Closing costs are about $1300 + another $600 in prepaid interest. I picked a rate which comes with a $1000 rebate, which would ha...
by cdog999
Mon Jun 21, 2010 11:49 am
Forum: Personal Consumer Issues
Topic: BBB Alternatives after no complaint resolution
Replies: 18
Views: 2242

If you'd paid the dentist's bill with a credit card, you might well have had success disputing the charge with the credit card company. Might be worth thinking about next time. I paid the original agreed amount with my credit card, but have not paid the additional charges. Basically, I'm just looki...
by cdog999
Sun Jun 20, 2010 2:39 pm
Forum: Personal Consumer Issues
Topic: BBB Alternatives after no complaint resolution
Replies: 18
Views: 2242

Is he charging you more than what your insurance company says he should? No. What happened was I went to him to have a procedure done. Talked with him specifically about what the charges would be in advance. He stated the price, and I agreed. Subsequently, when the procedure was completed, I receiv...
by cdog999
Sun Jun 20, 2010 12:58 pm
Forum: Personal Consumer Issues
Topic: BBB Alternatives after no complaint resolution
Replies: 18
Views: 2242

BBB Alternatives after no complaint resolution

I recently filed a complaint against a services company (dentist) due to being overcharged. The amount of the overcharge is less than $200. After working with the BBB, the dentist gave a response which I rejected. The dentist was then given an opportunity to respond, and they decided not to. The BBB...